Penncrest Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 3.09%. Penncrest Bank ranks 76th of 109 Pennsylvania banks on net interest margin, in the lower half at 3.09% (Q2 2026). Penncrest Bank reported 3.09% on net interest margin for Q2 2026, 0.85 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.32% |
| Yield on loans | 4.84% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.74% |
| Cost of interest-bearing liabilities | 1.88% |
| Cost of borrowings | 4.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.09% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $728K |
| Interest expense on deposits | $650K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.95% | 0.87% | 3.17% | 4.67% | 2.35% |
| Q4 2023 | 3.69% | 1.12% | 2.69% | 4.26% | 2.35% |
| Q1 2024 | 3.75% | 1.15% | 2.71% | 4.32% | 2.41% |
| Q2 2024 | 3.85% | 1.24% | 2.72% | 4.39% | 2.47% |
| Q3 2024 | 3.97% | 1.38% | 2.73% | 4.57% | 2.51% |
| Q4 2024 | 4.07% | 1.41% | 2.81% | 4.69% | 2.56% |
| Q1 2025 | 3.98% | 1.33% | 2.78% | 4.50% | 2.80% |
| Q2 2025 | 4.22% | 1.31% | 2.99% | 4.76% | 3.04% |
| Q3 2025 | 4.29% | 1.42% | 3.01% | 4.77% | 3.04% |
| Q4 2025 | 4.29% | 1.44% | 2.98% | 4.83% | 3.08% |
| Q1 2026 | 4.24% | 1.38% | 2.99% | 4.78% | 3.11% |
| Q2 2026 | 4.32% | 1.37% | 3.09% | 4.84% | 3.27% |
Penncrest Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Penncrest Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Penncrest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30119) · FFIEC NIC profile (RSSD 805876)